Bay State Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bay State Savings Bank is an FDIC-insured commercial bank. Total assets stand at $580M. Profitability runs below industry average: 0.63% ROA, 6.97% ROE, with NIM at 3.39%. Capital cushions are healthy: 11.24% CET1, 8.82% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.47%. 8 branches make up the footprint.
As of June 30, 2026, Bay State Savings Bank reported a CET1 capital ratio of 11.24%, a return on assets of 0.63%, a nonperforming-loan ratio of 0.47%, a Texas ratio of 4.04%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 28 Franklin St, Worcester, MA 01608
- County
- Worcester
- Metro Area
- Worcester, MA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 9, 1895
- Offices
- 8 domestic
- Employees (FTE)
- 84
- Domestic deposits
- $513.7M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $33K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 20, 1985
- FDIC Cert
- 90311
- Fed RSSD
- 963002
- Website
- baystatesavingsbank.com →
- Parent Holding Company
- 1895 CORPORATION (RSSD 3535455)
- Ultimate Parent
- 1895 MHC (RSSD 3535437)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bay State Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bay State Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bay State Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.24% | 0.63% | 0.47% | 4.04% | 3.39% |
| Q1 2026 | 11.32% | 0.41% | 0.48% | 4.10% | 3.34% |
| Q4 2025 | 11.34% | 0.56% | 0.38% | 3.25% | 3.14% |
| Q3 2025 | 11.48% | 0.36% | 0.47% | 4.30% | 3.01% |
| Q2 2025 | 11.75% | 0.33% | 0.66% | 5.86% | 2.90% |
| Q1 2025 | 12.91% | 0.26% | 0.47% | 4.17% | 2.84% |
| Q4 2024 | 12.15% | -0.08% | 0.69% | 5.93% | 2.74% |
| Q3 2024 | 12.56% | 0.26% | 0.74% | 6.35% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bay State Savings Bank (main office) | Worcester , MA | 01608 | $113.0M |
| Holden Branch | Holden , MA | 01520 | $96.4M |
| Burncoat Street Branch | Worcester , MA | 01606 | $85.2M |
| Minuteman Plaza Branch | Auburn , MA | 01501 | $66.6M |
| Mill Street Branch | Worcester , MA | 01602 | $64.4M |
| Grafton Street Branch | Worcester , MA | 01608 | $57.1M |
| Shrewsbury Branch | Shrewsbury , MA | 01545 | $31.0M |
Regulatory record
What the public regulatory sources show for Bay State Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS))
- June 26, 1991, OCC (former OTS): Supervisory Agreement: Bay State Federal Savings Bank
- Period: Most recent institution action June 26, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 76 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 156 applications, 92 loans originated, $29.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bay State Savings Bank
What are Bay State Savings Bank's total assets?
As of the Q2 2026 filing, Bay State Savings Bank reported total assets of $580.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bay State Savings Bank headquartered?
Bay State Savings Bank is headquartered in Worcester, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bay State Savings Bank founded?
Bay State Savings Bank was established in 1895, per the FDIC institution directory.
Is Bay State Savings Bank FDIC-insured?
Yes. Bay State Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #90311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bay State Savings Bank?
Bay State Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bay State Savings Bank's CET1 capital ratio?
Bay State Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bay State Savings Bank operate?
Bay State Savings Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bay State Savings Bank's Texas Ratio?
Bay State Savings Bank's Texas Ratio is 4.04% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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